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Research on Microcredit Using Field Experiments : Lending Maturity and Group Lending

Research Project

Project/Area Number 20730198
Research Category

Grant-in-Aid for Young Scientists (B)

Allocation TypeSingle-year Grants
Research Field Economic policy
Research Institution日本貿易振興機構アジア経済研究所 (2010)
Institute of Developing Economies, Japan External Trade Organization (2008-2009)

Principal Investigator

KONO Hisaki  日本貿易振興機構アジア経済研究所, 研究員 (40450548)

Project Period (FY) 2008 – 2010
Project Status Completed (Fiscal Year 2010)
Budget Amount *help
¥4,160,000 (Direct Cost: ¥3,200,000、Indirect Cost: ¥960,000)
Fiscal Year 2010: ¥130,000 (Direct Cost: ¥100,000、Indirect Cost: ¥30,000)
Fiscal Year 2009: ¥1,300,000 (Direct Cost: ¥1,000,000、Indirect Cost: ¥300,000)
Fiscal Year 2008: ¥2,730,000 (Direct Cost: ¥2,100,000、Indirect Cost: ¥630,000)
Keywords経済発展 / マイクロクレジット / 返済期限 / グループ貸付 / マイクロ保険 / 家計内意思決定 / 現在志向バイアス / マイクロファイナンス
Research Abstract

We show that because of the short maturity of microcredit, the introduction of microcredit can increase the borrowing amount from the moneylender, and the expansion of the maturity can substantially decrease the dependence on the moneylender. Our experimental evidence suggests that the group lending suffers from strategic default more than the individual lending, and the past behavior plays an important role in the group lending. Our experiment on microinsurance shows that providing opportunities to choose one of two insurance will achieve higher uptake rate than just selling one insurance policy, that the uncovered negative shock in the last period increases the uptake rate in the current period, and that framing on income distribution dos not affect the uptake decision. We also show that in the intrahousehold resource allocation, the household fails in implementing an effective commitment mechanism against the present bias problem, and time consistent wives whose husbands are present-biased are more likely to join ROSCA, a commitment mechanism outside the household, to protect the household resources.

Report

(4 results)
  • 2010 Annual Research Report   Final Research Report ( PDF )
  • 2009 Annual Research Report
  • 2008 Annual Research Report
  • Research Products

    (12 results)

All 2011 Other

All Journal Article (3 results) (of which Peer Reviewed: 2 results) Presentation (4 results) Book (2 results) Remarks (3 results)

  • [Journal Article] Microfinance Revolution : Its Effects, Innovations, and Challenges

    • Author(s)
      Kono, Hisaki, Kazushi Takahashi
    • Journal Title

      Developing Economies 48(1)

      Pages: 15-73

    • Related Report
      2010 Final Research Report
    • Peer Reviewed
  • [Journal Article] マイクロファイナンスの現状と課題-貧困層へのインパクトとプログラム・デザイン

    • Author(s)
      高野久紀・高橋和志
    • Journal Title

      アジア経済 第52巻6号

      Pages: 38-76

    • NAID

      120006226061

    • Related Report
      2010 Final Research Report
    • Peer Reviewed
  • [Journal Article] マイクロ保険の挑戦.貧困層をリスクから守る試み

    • Author(s)
      高野久紀
    • Journal Title

      アジ研ワールドトレンド 第167号

      Pages: 16-19

    • Related Report
      2010 Final Research Report
  • [Presentation] Marriage as Saving Commitment Device? : Experimental Evidence from Vietnam2011

    • Author(s)
      Kono, Hisaki, Ayako Matsuda, Takeshi Murooka, Tomomi Tanaka
    • Organizer
      Harvard University Lunch Seminar
    • Related Report
      2010 Final Research Report
  • [Presentation] Marriage as Saving Commitment Device? : Experimental Evidence from Vietnam2011

    • Author(s)
      Kono, Hisaki, Ayako Matsuda, Takeshi Murooka, Tomomi Tanaka
    • Organizer
      Pacific Conference for Development Economics 2011 (UC Berkeley)
    • Related Report
      2010 Final Research Report
  • [Presentation] Microcredit Games with Face-to-face Decision Making and Noisy Signals : Experimental Evidence from Vietnam2011

    • Author(s)
      Kono, Hisaki
    • Organizer
      国際開発学会2011年春季大会
    • Related Report
      2010 Final Research Report
  • [Presentation] Marriage as Saving Commitment Device? : Experimental Evidence from Vietnam2011

    • Author(s)
      高野久紀
    • Organizer
      Pacific Conference for Development Economics 2011
    • Place of Presentation
      UC Berkeley(米国)
    • Related Report
      2010 Annual Research Report
  • [Book] 岩波ジュニア新書2011

    • Author(s)
      高野久紀
    • Publisher
      「マイクロファイナンス-貧困層にこそ金融サービスを」高橋和志、山形辰史編著『国際協力ってなんだろう-現場に生きる開発経済学』
    • Related Report
      2010 Final Research Report
  • [Book] The Economics of East Asian Integration, Edward Elgar, Forthcoming.

    • Author(s)
      Kono, Hisaki
    • Publisher
      Economic Integration and Poverty in book edited by M. Fujita, I. Kuroiwa, and S. Kumagai
    • Related Report
      2010 Final Research Report
  • [Remarks] 以下のWorking Paperをに掲載

    • URL

      http://sites.google.com/site/hisakikono/home/research

    • Related Report
      2010 Final Research Report
  • [Remarks] Kono, Hisaki."Loan Maturity of Microcredit and Demand for Moneylenders."

    • Related Report
      2010 Final Research Report
  • [Remarks] Kono, Hisaki."How can we increase insurance uptake? Evidence from a Framed Field Experiment in Vietnam."

    • Related Report
      2010 Final Research Report

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Published: 2008-04-01   Modified: 2016-04-21  

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